Closing or canceling your HDFC Bank credit card is a straightforward process. Whether you no longer need the card, want to reduce your credit exposure, or switch to a different provider, knowing the right procedure can help you avoid complications. HDFC Bank provides multiple methods for credit card closure, including online and offline options, to ensure a hassle-free experience.
There are several situations where canceling your credit card might be necessary. Some common reasons include:
You no longer use the card frequently.
High annual fees that don’t justify the benefits.
You have multiple credit cards and want to simplify your finances.
Your credit utilization is too high, affecting your credit score.
You found a better credit card with more benefits.
Security concerns due to fraud or unauthorized transactions.
Follow these steps to cancel your HDFC Bank credit card through Net Banking:
You can also close your HDFC Bank credit card via the MyCards portal:
Follow these steps to close your HDFC credit card at a bank branch:
To cancel your HDFC credit card via customer care, follow these steps:
If you prefer sending a written request, follow these steps:
HDFC Bank’s AI-powered virtual assistant EVA can assist with basic queries but cannot be used for credit card closure. However, you can use EVA to block your credit card in case of fraud or unauthorized transactions.
Can we deactivate an HDFC Bank Credit Card online?
Yes, you can. You could opt for methods like net banking, mobile banking, SMS, etc. to do so.
Can I permanently close my HDFC Bank Credit Card?
Yes, you can. You can initiate the process online or visit an HDFC Bank branch.
Is it easy to close an HDFC Bank Credit Card?
Yes, it certainly is! The bank offers you many modes of completing this process and you can choose the one that suits you best. You can complete the application process within minutes.
What happens if I deactivate my HDFC Bank Credit Card?
If you decide to deactivate your HDFC Bank Credit Card, you will not be able to process any transactions through that card.
What are the charges to deactivate my HDFC Bank Credit Card?
You aren’t expected to pay anything to deactivate your credit card.